United World Life Medicare Supplement Plans: Which One is Right for You?

Bluewave Insurance is proud to offer United World Life as one of our trusted carriers. For a free quote on any of their plans, please call us at 800-208-4974.

Company History and Background

A subsidiary of Mutual of Omaha, a Nebraska-based company, United World Life Insurance started out providing blue-chip health and life insurance to customers in 1983. The company offers an assortment of products, including Medicare supplements, life insurance, and fixed annuities to citizens aged 65 years and above. 

Medicare supplement plans from United World Life provide coverage for Medicare out-of-pocket costs, including deductibles, coinsurance, and copayments. 

Financial Strength and Ratings 

United World Life Medicare Products

The company offers several Medigap plans to customers for what Medicare does not cover, including copayments, deductibles, and coinsurance. The company offers Medicare supplement Plans A, B, F, G, and N. These plans are flexible and designed to suit different budgets. Regardless of your plan of choice, you can keep your current doctor long as they accept Medicare.

United World Life Medicare supplement plans may include household discount rates, depending on the state of residence. Couples in need of Medicare supplement Plans can ultimately save between 7% to 12% on costs. Additionally, these plans are guaranteed renewable for life. 

All Medicare supplement (Medigap) policies offered by the United World or any insurance company under Mutual of Omaha are standardized; therefore, all plans provide equal benefits across the board. 

With all of United World Life Medicare supplement plans you get the following features:

• Guaranteed renewable for life.
• Dedicated customer support.
• Zero policy fees.
• 12-month rate lock-in.
• Policies issued fast via automated underwriting.
• Accepted anywhere that takes Original Medicare.

United World Life Medicare Supplement Costs

United World Life Medigap plans vary with cost depending on various factors such as your location, age, and current health condition. To give you an idea, here are some sample rates from different areas in the country for the popular F, G, and N plans for a 65-year-old female nonsmoker; rates are quoted per month. 

Location	Plan F	Plan G	Plan N
Philadelphia, PA	$179.12	$141.46	$114.97
Phoenix, AZ	$138.82	$109.63	$89.10
Richmond, VA	$117.81	$93.04	$75.62

*Rates vary based on location, age, and health. Call us at (800) 208-4974 for a free quote comparison today. 

United World Life Medicare Supplement Plan F

Medicare Supplement Plan F is the most comprehensive plan offered by United World Life. This plan covers all the deductibles under Medicare Part A and B and Part B excess charges and coinsurance. Plan F coverage also extends to Plan A hospice care coinsurance. 

While plan F has the lowest out-of-pocket costs and the most extensive coverage, customers on this plan pay the highest monthly premium rates. However, for folks that do not require frequent medical visits, the Plan F High Deductible Plan may be a better option. This plan costs between $50 and $100, depending on your location.

Please contact us at (800) 208-4974 for your free quote comparison on rates.

United World Life’s Medicare Supplement Plan F provides coverage for the following:

• Medicare Part A hospice care copayment expenses.
• Medicare Part A coinsurance for inpatient hospital care. 
• Part A deductible.
• Part B deductible.
• Plan B excess charges.
• The first 3 pints of blood per year.
• Skilled nursing facility care coinsurance.
• 80% coverage for foreign travel emergencies.

United World Life Medicare Supplement Plan G

United World Life Plan G offers the same benefits as Plan F except for covering the Medicare Part B deductible. Medicare beneficiaries often find Plan G to be an excellent value. This plan’s great feature includes coverage for Part B excess charges, which most Medicare supplement charges do not cover. 

While Plan F offers more coverage and deductible amounts, Plan G reduces the financial burden and gives customers more control over their health benefits. This plan’s premium rates range between $90 and $150, on average, depending on your zip code.

United World Life Medicare Supplement Plan G provides coverage for the following:

• Medicare Part A deductible.
• Medicare Part A hospice care copayment expenses.
• Part A coinsurance and hospital costs.
• 100% coverage for Part B excess charges.
• Skilled nursing facility care coinsurance.
• The first 3 pints of blood per year.
• 80% coverage on foreign travel emergencies.

United World Life Medicare Supplement Plan N

Plan N provides full coverage for the Part B coinsurance minus copayments of up to $20 for some doctor’s office visits and up to $50 for ER visits that do not result in being admitted. 

Compared with Plans F and G (both of which provide more coverage for higher rates), Plan N offers mid-level coverage with the benefit of being more affordable. However, Plan N does not cover the Part B deductible and Part B excess charges.

United World Life’s Medicare Supplement Plan N provides

• Part A deductible.
• Medicare Part A coinsurance plus hospital cost.
• Medicare Part B copayment and coinsurance.
• Coverage for 3 pints of blood per year.
• Part A hospice care copayment and coinsurance.
• Skilled nursing facility care,
• 80% coverage on foreign travel emergencies.

Unsure of what plan to choose? Check out our Medicare Supplement Guide here.

Our Professional Advice

United World Life is a trustworthy provider with a track record of success. Its parent company, Mutual of Omaha, has a strong financial background and has been around for a long time. With flexible pricing, you will have no trouble finding a United World Life Medigap plan that works best with your healthcare needs and budget. 

For a free quote comparison between United World Life Insurance and similar Medicare supplement providers, please call us at (800) 208-4974.

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